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Nida Ahmed

@nidaahmed

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Senior Credit Analyst with extensive experience in credit operations.

Pakistan

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What I'm looking for

I am looking to leverage my extensive banking experience in a Senior Credit Analyst role, contributing to organizational growth and success.

I am a seasoned banking professional with over 22 years of comprehensive experience in credit analysis, recovery, collections, and banking operations. Currently serving as an Assistant Manager in Regional Credit Operations at Askari Bank Limited, I oversee the disbursement of credit facilities while ensuring compliance with bank policies and regulatory standards. My role involves preparing detailed MIS reports, managing overdue loans, and leading the settlement process for financial facilities.

Previously, I held the position of Senior Credit Analyst at Faysal Bank Ltd., where I spearheaded the launch of new consumer business for Auto and Personal Loans, aligning with the bank's growth objectives. My expertise lies in assessing loan applications, proposing changes to credit policies, and developing operational strategies to minimize delinquency and optimize recovery efforts. I have a proven track record of collaborating with internal stakeholders to enhance product offerings and ensure compliance with responsible lending practices.

Experience

Work history, roles, and key accomplishments

Current

Asst. Manager – Regional Credit Operations Unit

Current

Askari Bank Limited

Jan 2024 - Present (1 year 4 months)

Oversee the disbursement of credit facilities for conventional banking products, ensuring compliance with bank policies. Prepare daily MIS reports for senior management and manage overdue loans. Lead the settlement process for financial facilities.

Credit Risk Management Disbursement Process Financial Reporting Compliance

Senior Credit Analyst

Faysal Bank Ltd.

Jan 2011 - Nov 2021 (10 years 10 months)

Assessed loan applications and ensured compliance with lending principles. Spearheaded the launch of new consumer business for Auto and Personal Loans, and developed new credit strategies to minimize delinquency.

Credit Strategies Credit Risk Management Compliance Delinquency

Team Manager – Legal & Recovery

Royal Bank of Scotland – ABN AMRO

Jan 2009 - Dec 2010 (1 year 11 months)

Developed strategic collections procedures to maximize debt recovery while maintaining customer relationships. Led a team of collections agents and monitored performance metrics to improve productivity.

Credit Risk Management Recoveries Teams Financial Analysis Customer Relationship Management

Senior Credit Analyst

ABN AMRO Bank

Dec 2004 - Dec 2008 (4 years)

Coordinated with cross-regional teams to streamline credit approval processes. Assisted in capacity planning and conducted financial analysis for resource allocation.

Credit Risk Management Teams Financial Reporting

Credit Analyst

Union Bank Ltd.

Jul 2003 - Dec 2005 (2 years 5 months)

Evaluated and approved credit applications for credit cards and personal finance. Conducted risk assessments and ensured compliance with bank policies.

Credit Risk Credit Risk Management Compliance Financial Reporting Customer Relationship Management

Education

Degrees, certifications, and relevant coursework

Saint Patrick's Government College

Bachelor of Commerce, Commerce

1996 - 2000

Activities and societies: Participated in regular team meetings to discuss performance metrics and strategies for improving turnaround times and reducing delinquency.

Completed a Bachelor of Commerce (B.Com) degree, focusing on financial documents and customer profiles to assess creditworthiness. Conducted thorough risk assessments and provided detailed recommendations on credit applications to minimize potential default risks.